The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$35,598
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,705
−HK$1,125/mo
Today · 4.125%
HK$37,830
baseline
▲ 0.50% · 4.625%
HK$40,132
+HK$2,302/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$75,660/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,602
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,664
−HK$1,078/mo
Today · 4.125%
HK$41,742
baseline
▲ 0.50% · 4.625%
HK$43,942
+HK$2,200/mo
Deposit HK$7.81M · loan HK$7.81M · min. income ≈ HK$83,484/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,717
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,046
−HK$1,350/mo
Today · 4.125%
HK$45,396
baseline
▲ 0.50% · 4.625%
HK$48,158
+HK$2,762/mo
Deposit HK$6.24M · loan HK$9.37M · min. income ≈ HK$90,792/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,523
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,797
−HK$1,293/mo
Today · 4.125%
HK$50,090
baseline
▲ 0.50% · 4.625%
HK$52,730
+HK$2,640/mo
Deposit HK$6.24M · loan HK$9.37M · min. income ≈ HK$100,180/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,837
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,387
−HK$1,575/mo
Today · 4.125%
HK$52,962
baseline
▲ 0.50% · 4.625%
HK$56,185
+HK$3,223/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,924/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,443
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,930
−HK$1,508/mo
Today · 4.125%
HK$58,438
baseline
▲ 0.50% · 4.625%
HK$61,519
+HK$3,081/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,876/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,076
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,069
−HK$2,025/mo
Today · 4.125%
HK$68,094
baseline
▲ 0.50% · 4.625%
HK$72,237
+HK$4,143/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,188/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,284
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,196
−HK$1,939/mo
Today · 4.125%
HK$75,135
baseline
▲ 0.50% · 4.625%
HK$79,095
+HK$3,960/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,270/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,423 · Scale 2, in force from 26 Feb 2026)